Buying a Home London Ontario & Area


   Are you looking for a house or a condo in London Ontario and area?  Are you aware that in some of the top neighbourhoods in London in London, some homes are selling in a day or two or that some homes are dramatically overpriced?

                   real estate for sale London Ontario  

 

  We can also answer for you 3 very important questions before you make a decision:

  • What is the property worth in today’s market? (most important)
  • How flexible is the seller on the asking price? (very important)
  • What’s wrong with the property? (extremely important)

 

  All Houses & Condos For Sale on MLS

  Search MLS London Ontario

 

 Are you frustrated with some real estate people and fruitless searching? As a Realtor & the owner of a  professional home hunter team, we work exclusively for you, the buyer,  while the listing sales person is working for the home owner. When you contact a listing sales person, he or she will show you properties that they have personally listed for sale.

 Remember, you may NOT be seeing all homes for sale with the email notifications from the various home search websites you are registered with.

  We have access to properties for sale that are not listed for sale on MLS. (Home owners have asked us to help them sell, but there’s a few days lag time before they are searchable on MLS or they are doing a few bits of tidying up.

  Over the years  we have come up with a process that puts you in the driver's seat. We like to take the time (which will save you many hours later and frustration)  to understand your individual needs by creating a personalised “property profile”.  We have an extensive network of contacts that clients have said have saved them  days and even weeks of searching.

                   Professional real estate people

 

 

 Whether you are a busy professional, business owner, growing your family, rightsizing your home or an investor  we treat your personal property search as if it were our own. 

 Finding that right property and unusual properties for sale is all about networking. A significant number of properties are sold “privately.” We have a long-standing relationship with a wide spectrum of sales people, law offices, estate planners & financial advisors to uncover those properties  for sale.

  Buying a property is usually the most expensive purchase you will make in your life and it’s not something you do every day of the week (unless you are like me and do it daily).  

 All Realtors who represent the home seller have a fidicuary duty to the home owner first. Lawyers are not allowed to represent both the buyer and the seller of the same property. Why do you think that is?

 We represent you and protect you from overpaying or owning a home with problems.

  We establish the true market value of your chosen property by conducting a detailed analysis using  local knowledge and access to extensive sales databases.

                        finding the right house

 

  Our inovative Dedicated Buyer Program provides an objective and unbiased view on the property’s true worth and removes the emotion from the buying process. This coupled with expert negotiation skills means my  clients  save thousands of dollars. Remember:

  "Price is what you pay, value is what you get" Warren Buffet

  Again, when you engage in our Dedicated Home Buyer Program, we take the time up front to understand your needs, reviewing your criteria and designing a strategy to meet your goals. We then , ( at no cost to you, we only get renumerated AFTER you have successfully taken possession of your home) undertake an extensive research to match your purchasing criteria with properties for sale. We even have have access to many properties that may never appear on the open market (sometimes called “exclusive listings” or "pocket listings").

  Our full search service includes:

  • Initial consultation to obtain an understanding of your requirements

  • Extensive market research & updates

  • Access to all current listings in your chosen area & private listings (for sale by owners)

  • Complete discretion and confidentiality

  • Coordination of necessary support services e.g. legal, home inspection, movers, trades people, property management etc. 

  • We are never too busy because when you work with us as a buyer, not only will you have a professional experienced Realtor to help you ( extensive training and work ethics), we have a closing coordinator, three office administrators, an inside sales associate and a marketing specialist.

  • We all follow this great quote from Jack Bergman: " There never is enough time to do it right, but there is always enough time to do it over!"

​ Ty Lacroix Broker of Record

  We can also refer you to my  network of trusted real estate companies all across Canada,even some cities in the US.

   For property investors (residential and commercial), we are constantly researching and reviewing the market to look for areas that have consistently performed well for capital growth and rental return.

 

                       professional in every way

          Actually  Buying a Home in London Ontario and Area

   Buying a home in London Ontario and area is exciting but can be time consuming and expensive. It can be an emotional roller-coaster ride that sometimes can end in frustration. To buy a house or a condo requires weeknights spent searching for new listings, phone calls to agents and driving around every weekend inspecting properties. It’s an exhausting process for most home buyers! These 11 questions you may want answers to when working with a real estate person will determine how well your purchase goes!

  In fact, these questions clients have told me was worth a minimum $5,000 to them!

     Does this ring any bells with you?

  • Are you feeling overwhelmed, frustrated, or simply tired of searching for London area real estate?

  • Have you missed out on homes several times or perhaps spent wasted money on building inspections or other services?

  • Have some listing real estate sales people enticed you to make offers but only to find out later that the sales price went way above your expectations?

  • Are you confused by typical price guides that bear no resemblance to the ending sales price?

  • You just can’t find enough time to do the search for the right home.

  • You’re not sure which other London neighborhoods might work for your lifestyle.

  • You would really like someone to be on your side, giving sound advice and help remove the emotion from the buying process.

  • How do you compete with other buyers in the London Ontario real estate market?

​                frustrated buyer

   Welcome to what we do. The searching and negotiating process is  what we do best, guide you and help you acqire your next home in London Ontario and area without undue stress or hassle of dealing with a wannabe. We actually make it very boring!

 

  Multiple offers?

  When you make an offer on a home here in London, a few quick tips.

 Our local London real estate market has picked up, and the fact is, in some neighbourhoods and price points, there are not enough homes to meet demand.

  But when you are thinking of making your first offer to purchase, we have seen quite a few mistakes specific to buying London area real estate.

  In many situations, you’ll be in a multiple bidding situation where there are several other people submitting offers on the same home as you.

  So, how do you navigate the waters to get this home, without paying too much?

  By leaving your emotions at the door, we have found that emotional attachment and fear of loss are the reasons for overpaying and all the more reason to work with seasoned experienced Realtors

    We use a proven five step method to buying real estate …

  1. Create a “Property Profile” – Understand your detailed preferences and then target the best London neighbourhoods.

  2. Research – Conduct an extensive search to access the most suitable properties (both on MLS and private sales).

  3. Shortlist – Do a market education with no intent of buying which allows you to know what you can buy in your price range and neighbourhoods and once that occurs, now you are ready!

  4. Evaluate – Use the latest sales data,  (current market value) that protects you from paying too much.

  5. Negotiate and secure – Negotiate the best possible price & terms and follow through.

               Where in Ontario Do We Work?

   As the owner and Broker of Record of the real estate brokerage , I and my associates  cover all of London and South West Ontario. We am licensed in the Province of Ontario and can refer you to our huge network of qualified real estate professionals across Canada, Florida, California, Arizona, North and South Carolina!

     What’s the cost?

   99.8% of the time we are paid by the listing real estate brokerage which is disclosed to you up front at all times in writing and verifiable.

  In the case where it is a private sale and the seller refuses to pay a fee or the fee offered is not consistent with our level of service, our fixed fees for the full search service are the equivalent of around 2% of purchase price for properties up to $1 million dollars, and then a sliding scale applies above that level.

   No retainer fee or any upfront fees are required; we only get paid once the property you choose has changed hands. In other words, if we don't perform, wedon't get paid! 

  We call it our success fee! We get paid only after you have successfully and happily purchased a property.

    What’s the benefit?

  • Access more properties – far more than just the MLS system, we uncover exclusive properties before they hit the market and For Sale by Owners.

  • Get insider knowledge. We’ll give you all the latest data and trends to make an informed decision

  • We’ll put you ahead of other buyers –  our vast experience and back up means you are in control.

  • Pay the right price – We’ll provide a detailed evaluation of your chosen property, then negotiate skillfully to get you what you want.

  • Save time – tap into our extensive network to find your ideal property much faster!

  • The benefits certainly outweigh the costs of money and time when it comes to buying a house or condo in London Ontario and area.

​                              The next step

 What is the next step?

   See our client reviews 

        Frequently Asked Home Buyer Questions:

  What am I getting for my money that I cannot achieve myself?

   Buying quality real estate in London Ontario and area is not a part time task. As professional  Realtors, we work for you day in, day out to find the right home for you. We will listen to your needs and will provide you with independent advice to confirm your decision. We understand local market values intimately. 

    Will you listen to my needs? 

    Of course – listening is the most important aspect of any relationship, that is why we have two ears  and one mouth, to listen twice as much more than we speak.

                  we listen

 

    How will know you really understand my requirements?  (How could you possibly know what I want?)

 This is a common fear of most buyers. We spend a considerable amount of time asking about your needs and wants BEFORE starting the search process. 

  Can you find me properties not listed on MLS?

   Of course, our research team can find real estate that is for sale by relentless searching of every real estate site available, plus social networks and print media.

  Why You?

  We guarantee not to waste your valuable time sending you or showing you inappropriate properties. We deflect all the stress and detail and save you days or even weeks of endless searching. 

  With our guidance, you will save time, money and stress in the purchase of your next home. You will gain access to more properties, be better informed about comparable sales and understand the true value of each property.

                we compete

   What is the process and how long will it take?

  Once you are comfortable with us and we with you to proceed, we will conduct a thorough research and then present you with a shortlist of homes.

  If you wish to pursue any of the chosen properties, I then conduct a full valuation of the property and negotiate on your behalf. The decision to buy is then yours. I am committed to finding you the right home, no matter how long it takes. 

  What is the difference between a buyers’ agent and a selling agent?

  The key difference between a buyers’ agent and a traditional selling agent is who they represent. A buyers’ agent works exclusively for the buyer, whereas the selling agent works for the vendor (seller). 

  How will I know what the property is worth?

  We conduct extensive due diligence for  clients on recent sales and have access to a comprehensive database of all past sales. We discuss the positives and negatives of each  property. Using this information, together with information on the state of the market provides our clients with the assurance they are not overpaying.


Downsizing, Right Sizing or Upsizing


   Downsizing, Upsizing, Rightsizing or Staying Put?

 As a Realtor, I get to see firsthand who should be buying a home, not buying a home or even renting instead of buying!

        To move or not to move?

 I am going to be real blunt here, as a Realtor if I do not help people buy or sell a home, I don’t eat. So why would I write about not buying a home, about not selling a home, about renting instead of buying or what some would call blasphemy “ Don’t do a thing, stay put, pay off some debt, build equity or make do!”

 I am sure most of us have heard or read news articles about the debt load of the average Canadian, that the average Canadian is one month away from huge pain if they do not receive a paycheque!

 Or, about people not being happy, satisfied, grateful, joyful blah,blah blah, whine whine whine, it’s someone else’s fault, too hot, too cold, too cheap, too expensive, too fat, too thin, too lazy, too busy, whaaa, whaaa, whaaa!

 Poke me in the eye so I can whine some more!

    expert advisors

 Experts (and don’t get me going on experts) say the following:

  • It’s the economy

  • It’s global warming

  • Oil prices are too low

  • Oil prices are too high

  • Interest rates are too low

  • Interest rates are too high

  • It’s the US dollar or the Euro

  • Monarch Butterflies ( I kid you not)

 Anyway, in all due respect to economists, meteorologists, financial advisors (financial entertainers) here is my take on why debt loads are high and what to do about it.

 Don’t spend more than you make!

 We are all bombarded every day with advertisements, pop-ups, emails, social media about the  latest clothes fashion, foot fashion, the best vodka, dining place of the week, buy this car and your children will love you, your spouse will, your neighbours will love you, spend, spend, spend, you will be happy .

 When people get fat, they buy bigger pants. Read this , you'll love it!

 When people are sad, or had a hard day, week, an argument, a whatever, some go out and buy clothes, buy alcohol, dine at an expensive restaurant, book an exotic vacation, buy or lease a new car, buy a TV, and go to a movie.

 Buy a bigger house, move to the ‘in’ neighbourhood.

  keep moving

 In other words, most think spending will make them feel better and it usually lasts until the next morning, or when your cheque bounces or your credit card is declined!

 So, we make excuses and quote the experts instead of looking in the mirror.

  I can write about this because I have been there, done that and made more mistakes than the average working class male.

 So, as a converted “FIer”, I have learned & made aware about financial intelligence, financial integrity and financial independence, it sure beats the biggest house, biggest title, fanciest car or anything else that money can buy!

 Getting back to downsizing, rightsizing or upsizing, do it for the right reasons and live life instead of working for a dying.


Have You Ever Thought Of Retiring Early?


 Have you ever thought of retiring early? Who hasn’t, right?

 Well, the best way to learn how to retire early is to study others who have actually achieved early retirement. Motivational speaker Tony Robbins often says, “Success Leaves Clues” to illustrate how important it is for us to copy what we see working for ourselves. The idea being if someone else retires 20 years early, we may be able to accomplish the same goal by doing what he or she did.

  I have studied three different early retirees to see how they retired early. Each of these three early retirees used different plans for early retirement; however, all three plans have commonalities we can learn from.

  One of these early retirees retired at the age of 31. Another retired at the age of 35. The third retired in his 40s. There are success clues you can follow in all three early retirees.

   These plans and the commonalities of early retirees have been detailed in new free report. In this new report, you’ll learn how...

1. You may be able to retire early without a large retirement fund.

2. To actually increase your wealth throughout your retirement so you’ll never run out of money.

3.  To live a “regret-free” life.

   Imagine how life would be if you didn’t have to work 40 plus hours each week? Would you have more time for exercise? Would you be able to spend more time with loved ones? Would you have time for the things you keep putting off? Yes, yes, and yes.


To find out how you can retire early, download this report in PDF format below

 

Retire Earlier Than You Think?
There is a lot to learn and consider from these three early retirees. Here is a summary of key points: 1. Each early retiree thought seriously about how they wanted to live their lives. They didn’t just blindly copy everyone else. They questioned the typical path to retirement of working for forty plus years hoping to finally retire in their sixties. They decided to walk a different path and used their existing retirement savings to create income to live off of so they could retire early. 2. Each early retiree valued their time over money. They all understood that trading time for money was a bad deal in the long run, as our time is severely limited. They flipped this plan around and used their money to buy time.
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For Millennial Home Buyers in London Ontario


Definition of Millennials

 

Over the last few months I have worked with 7 Millennials  who wisely bought either a condo apartment or a townhouse in London Ontario and had help in reducing their living expenses and for two of them, earning about $200 month over their mortgage, taxes, utilities and condo fees!

 

How did they do it?

 

 


Allay Those Fears of Buying a Home in London Ontario


 Most house buyers have many fears when getting ready to buy a home, whether it is the first time buyer or a couple who have bought and sold 5 homes in their lifetime.

         fear of buying a home

 Most of those fears are normal and that is a good thing. However:

 F false

 E evidence

 A appearing 

 R real

 

 I have worked with hundreds of home buyers over the years and I have found that most of their fears were of the unknown or worst of all, here say by family, friends and co-workers. My role as a professional Realtor is to address those fears, acknowledge them and then overcome those fears with factual information, not my perceptions but the real world of real estate reality.

 

 The fear of buying the wrong house, over-paying for it, defects, financing and location can in 99% of the time, can be overcome with due diligence.

 

 The fear of being happy in that home, entertaining and appreciating in value is internal and way above my paygrade to offer advice!

 

 In the end, common sense, being practical and keeping your emotions in check will be your best friends. 

  


Home Buyer Ezines


If you are thinking of buying a house or a condo in London Ontario & area and would like more tips and ideas on how to save, I have a series of 24 free e-zines for house & condo buyers . I do not spam, trade or sell your contact information. You are under no obligation what so ever!




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